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RENTERS INSURANCE · GEORGIA

Renters insurance for Georgia tenants.

Your landlord's property insurance covers the building. It covers nothing inside your unit. Renters insurance is what protects your belongings, covers your liability as a tenant, and pays your hotel if a covered event forces you out. At $15 to $30 per month it is the lowest cost insurance most people can buy.

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WHAT'S COVERED

What renters insurance covers

Personal Property Coverage

Covers your personal belongings including furniture, electronics, clothing, and valuables against theft, fire, smoke, and water damage.

Personal Liability

Pays if someone is injured in your rental unit or you accidentally damage a neighbor's property.

Loss of Use

Pays your hotel costs and additional living expenses if a covered event makes your unit temporarily uninhabitable.

IMPORTANT LIMITATIONS

What renters insurance does not cover

Flood damage

Flood damage is excluded. If you rent in a flood-prone area you can add a separate renters flood policy.

Earthquake

Earthquake damage is excluded from standard renters policies.

The building itself

Your landlord's property including walls, floors, and building fixtures is not covered by your renters policy.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

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CLAIMS TIPS

If You Need to File a Claim

Practical guidance for the first 24 hours, what to document, common mistakes to avoid, and when to call us.

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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GET STARTED

Renting in Georgia without coverage?

Renters insurance is the most underused protection in Georgia. Most renters we talk to either don't have it or have it at a level that wouldn't replace their belongings. Send us your situation and we will get you quoted.

$140 to $360 per year for most Georgia renters

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